Writing A Job Termination Appeal Hardship Letter

If your employment has been terminated, it is still possible for you to appeal that decision, particularly if you can demonstrate financial hardship. Employers usually have specific human resources (HR) policies and procedures in place in terms of how they want to see an appeal presented, and what steps need to be taken. Hence, do make sure that you look into the relevant policy and follow the specified procedure.

Reasons Why the Appeal May Be Granted

There are many reasons as to why you may feel your appeal should be granted. Perhaps you were terminated based on incorrect or incomplete evidence, for instance, or perhaps you feel the entire process has been unfair. Hardship, however, is not always accepted by an employer, although it does depend on the reason for termination. It is for this reason that you must be very clear about why you are writing in the first place.

How to Write a Job Termination Appeal Hardship Letter

You must ensure that your letter is properly written in a professional format, and that it is free from grammatical and spelling mistakes. It should also be short and to the point, being no more than one page in length.

The letter is a formal request, so you must make sure it is clear as to what you are requesting. Hence, you must highlight why your employment has been terminated, the financial hardship you now find yourself in, and your suggestion to ameliorate the situation. There are numerous situations in which your employment could have been terminated, including:

  • Disciplinary action
  • Redundancy
  • End of contract
  • Refusal to make changes to contracts

Because this is in relation to employment laws, it is usually recommended to make use of the services of a professional. You can choose to see an employment lawyer, or perhaps you can have a union representative working on your side. With professional representation, you have bigger chance of actually following the established procedure and being successful.

What Must Be in the Letter

Writing your letter should begin with the correct form of address, sending it to the person who will make the decision. You must then explain that you are formally appealing the termination of your contract. If it was terminated because of your performance, and you only want to appeal based on hardship, not based on new evidence, then you must, in the letter, admit that your performance was substandard.

The hardship element of a termination of employment is a complex one. In many cases, termination causes hardship, and this could be a sufficient reason to have the decision overturned. In other cases, it is hardship that caused your performance to be below what is expected, and this eventually led to your termination. It is very important that you are clear, open, and honest about this.

Whether or not the termination of employment will actually be reconsidered, you can never be sure. It is not common for leniency to be shown, but you also don’t have anything to lose by at least giving it a try. So long as you are open and honest, your request should at least be considered.

Job Termination Appeal Hardship Letter Example

{Phone #}


Dear {supervisor}:

Since I’ve already been terminated, I feel I have nothing to lose by laying it all out there. Please consider this my appeal of my firing from {position} on {date}.

Working for {company} has been the highlight of my career. I still can’t wrap my head around how {incident} led to me losing a job I truly loved.

What I haven’t told you is that I’ve been under a huge amount of stress due to {describe severe and private personal matter}. It was all too much. I’m ashamed that I let things build up; I truly believe that’s what led to {incident}. I’ve taken steps to get a handle on what’s going on in my private life, and how to keep it from spilling into the workplace.

Please take another look at my performance reviews. They are all stellar. Please check my {sales records/customer feedback}. Please think back on our interactions with one another; we have always had a respectful working relationship. Please ask my coworkers if I am someone they’d trust to have their back.

Please reconsider.

If I could take back {incident}, I would do so in a heartbeat. Since I cannot, I can only tell you how much I regret what happened, and how intensely I would rededicate myself to my job if I were reinstated.

I am open to any performance improvement plan, job reassignment, or disciplinary action the company feels appropriate.

Thank you very much for your consideration. Regardless, I wish only the best for you and the company in the future.


{Sender Name}

Writing a Hardship Letter Principal Reduction

If you want your mortgage to be modified, one of the ways of achieving this is by writing a hardship letter principal reduction. It is vital that you write this in the correct format and that it includes everything that a lender is looking for. Let’s take a look at the key elements of this kind of letter.

1. The Start of the Letter

Before you write your letter, you need to speak to your lender to find out to whom you need to write to. Make sure that you spell names correctly and do also ask for an extension number so you can ring them for a follow up. The first line of your letter should be the lender’s name, followed by the address details. Then date the letter and write the name of the person you are sending the letter to under that. After that, you include the RE: line, which references what you are writing about. This is where you should put your loan number.

2. The Body of the Letter

It may be tempting to put lots of information in here, but it is more important to just present the facts. Simply state that you are asking for a principal reduction because a loved one has died, you have suffered an illness, you have lost a job, or any other reason. You should also state that you have done everything possible, such as decrease your expenses and search for part time work, to ameliorate the situation, but you are now experiencing a financial difficulty.

Make sure that you make it very clear that you want to keep the home, if you do. If you do not state this, the lender may simply help you sell your property instead. Hence, you need to come up with solutions. For instance, you can request a balance reduction, a lower adjustable rate, or anything else that can help you get back on track.

If you have already gone through the Home Affordable Modification Program, make sure to inform your lender about this as well. Tell them everything that you have done so far to fix the problem. For instance, you can tell them that you have sought legal advice (include contact details), have tried to refinance, or have searched for a new job.

3. Ending the Letter

You need to end the letter formally, making it clear that you are eagerly awaiting their response, thank them for their consideration, and request an acknowledgment of the receipt of your letter. If you have added any documented evidence, such as pay slips or medical bills, list those underneath your signature. Always proofread the letter, preferably asking someone else to do it for you or, if that’s not possible, re-reading it the next day with a fresh pair of eyes. Always make sure that you keep a photocopy of the letter and its attachments, and that you send it through registered post. After around one week, call the lender by phone for a follow up and to check if they have received your letter if you have not had any confirmation.

Writing A Hardship Letter To Insurance For Elective Surgery

All health insurance policies are clear on which types of surgery are covered and which are not. Those things that are classified as “elective surgery”, which means that they are optional rather than being life saving, are almost never covered by insurance companies. However, that does not mean that you might not be able to convince your insurance company to reconsider. This is particularly true if you believe that not having the surgery will cause significant financial hardship.

Guidelines for Writing a Hardship Letter to Insurance for Elective Surgery

This letter must be a formal one that is written in a professional style. It should be dated and addressed to the correct person. The subject line should indicate the reason for writing, and it should also show your policy number. The letter should also include other identifying information from yourself.

Starting the Letter

Your first paragraph should outline that you would like to request some leniency with regards to the policy. Specifically, you are requesting a modification of how the insurance company views the operation that you want to undergo. Explain that it is classed as “elective” according to their policies and procedures. However, you feel that the said operation is not elective but rather a necessity. For instance, if you do not have the surgery, you will be left unable to properly look after your family, have a significantly reduced quality of life, and/or become too sick to continue with your work.

Content of the Hardship Letter

Go on to explain that you understand why this particular procedure is usually classed as elective, stating that most people have it for non-medical reasons. State that your situation is different, however, because you have been suffering from a certain illness or condition for a certain amount of time (include the dates), and that you have tried all other types of available treatment (list them and when you had them). Explain that you believe that this particular operation will be your last chance at living a normal, comfortable life. State that you know the surgery is not guaranteed to be successful, but that not having the procedure will guarantee that you will have a poor quality of life.

These situations are highly emotive in nature. You are likely to feel quite desperate and to see the procedure as a last resort. Yet, it is vital that you remain factual at all times and don’t delve into feelings. It is far more poignant to have a statement from a physician who says that the surgery will greatly improve your quality of life, than for you to tell them that you feel depressed and worthless because of your condition.

Ending the Letter

Make sure that you can provide evidence for anything that you state in your letter. Include hospital appointment cards, medical notes, and doctors’ statements, for instance. Do also provide proof of the surgery having been successfully with other people in the same situation as you, even if that is abroad. Finally, make sure that you have appropriate costings for the procedures included in your letter as well.

Hardship Letter To Insurance For Elective Surgery Example

{Your Name}
{Your Address}
{Your Phone #}


To Whom It May Concern:

I am writing this letter to request leniency concerning my insurance policy’s approach to {medical operation}. It is listed as an “elective surgery” and therefore not permissible for coverage according to my current policy. However, if I do not get this operation, I will be {too sick to work/in horrible pain/disabled/unable to care for my family, etc.}

{Medical operation} is considered an elective surgery most of the time because it is mostly used for {reason}. I have been sick for {amount of time} with {illness/injury} and I have already tried {alternative one} and {alternative two}. {Medical operation} is my last chance at {recovery option}. Although it is not a guarantee of success, it has a higher chance of helping my condition than anything else available to me. If it is not covered by my insurance, then {brief description of repercussions}.

I am attaching a doctor’s note outlining my situation and the important nature of this surgery in my particular case. Thank you for your consideration and understanding.

Thank you,

{Sender Name}

Writing A Property Tax Hardship Letter

If you are experiencing financial hardship, which means your finances are affected by something that is beyond your control, you may be able to get some relief by writing to a government agency to ask for some relief on your property taxes. It should be noted, however, that even if your request is accepted because you can genuinely prove your hardship, your debt will not be forgiven. Rather, you will be offered some sort of deferral instead.

Possible Reasons to Allow a Property Tax Deferral

There are some legitimate reasons that are generally accepted for property tax deferral. These include unemployment, activated military personnel, a death in the family, sudden illness or disability, failed business, and separation or divorce. However, it all depends on the state, so you should find out the rules that apply to you specifically before writing your letter. It is also common that there are some special programs for certain demographics such as the elderly and disabled, as well as for other groups of people. Most states offer these programs to:

  1. Those who have owned their property for at least five years
  2. Those who run a nonprofit organization but still have to pay state taxes. If their property is now used for things that state legislature renders exempt, they may apply as well.
  3. Widows and widowers of military veterans with low income
  4. Those over the age of 60
  5. People with a disability that forced them into early retirement because they are no longer able to work.
  6. A natural disaster that has affected an entire geographical area
  7. Long-term occupants
  8. Veterans returning from active duty

How to Write a Property Tax Hardship Letter

When you write your letter, one of the most important things to do is to include all documented evidence for your hardship. Your federal income tax statements, copies of outstanding debts, payslips, and other such documents should all be included. Keep the letter short and to the point, and present only the facts.

If you are granted an exemption on your property taxes, you will have to pay them the following year. Hence, you need to start preparing for this, as you will effectively have a double bill. One way to do this is to speak to your mortgage provider and create an escrow. This means that you pay a little bit more every month, and this money is then held in an account for you in order to pay your taxes. For many, this is a great way to prevent having to pay a large, unmanageable sum at the end of the year. Hence, you may also need to write a letter to your lender in order to explain your situation. However, that should be done after you have heard from the tax office.

Meanwhile, remember that a hardship letter is a formal document. It should be properly written and addressed to the right person. Keep it short and to the point, with references to the pieces of evidence that you supply. Try to avoid becoming emotional, as the tax office is interested in facts, not in feelings.

A Property Tax Hardship Letter Example

{Phone #}


Dear {assessor}:

I am positive that my assessment of {amount} is in error.

I would like to request a review. The parcel number is {number}.

If the amount is based on the property description listed on the Assessor’s Office website, that explains the error. Rather than {square footage/bedrooms/etc.} listed, in actuality {the garage has been torn down/there is only one bathroom/the room sizes are off}.

Here’s a list of other discrepancies between your report and the reality of my property:




As a layperson, I looked at the market value of similar homes and used {source} to calculate the reduced value of the property. Based on this, I believe I owe closer to {amount}.

Attached, please find {appraisal report from my recent refinance attempt} as well as {a letter from my real estate agent listing major repairs I’d need to undertake to make the home sellable}.

Paying {assessed amount} would create a severe hardship to my family. I look forward to the review and a revised bill.


{Sender Name}